承兑汇票银行贴息,已让中小企业负担不起!

作者: 发布时间:2017-12-09 17:20:14  来源: [手机访问]
导读: 在原材料疯狂上涨的这段日子里,中小企业家门痛苦不堪,原材料上涨使得行业的利润越来越薄,同时他们还要面临另外一个让人头疼的问题,年尾银行收紧,承兑汇票贴

承兑汇票银行贴息,已让中小企业负担不起!

在原材料疯狂上涨的这段日子里,中小企业家门痛苦不堪,原材料上涨使得行业的利润越来越薄,同时他们还要面临另外一个让人头疼的问题,年尾银行收紧,承兑汇票贴息利率上涨!

日前,笔者在郑州跟一家汽车零配件企业的负责人张总交流,他这样诉苦,“去年公司年产值3亿多元,银行承兑汇票就收到2亿元。”而在郑州,另一家机械制造企业的老总也发出:“银行承兑汇票我们‘兑不起’”的感叹。

该企业老总给我们算了这样一笔账。他说,企业去年销售额3000多万元,其中银行承兑汇票的比例占了60%,除去承兑汇票到期转现和承兑汇票转移支付客户的两种情况外,承兑汇票未到期去银行贴息取现的比例占到70%,而半年期承兑汇票要贴息3%,按此推算,公司每年要贴息40多万元,占公司净利润的几乎一半,这里面还没有计算相关的中介费用。并且有的客户抵触承兑汇票,不抵触的客户也要求是中、农、工、建四大国有商业银行,其他区域性银行的承兑汇票一概拒收,你说这不是逼着去给银行送钱吗?

“我们公司所在的机械制造业利润只有5%左右,可以计算计算,感受一下企业的经营状况,这根弦绷得究竟有多紧?”该企业负责人如是说。

上述企业负责人讲的只是半年或半年以内的承兑汇票,贴息3%能取现,而半年以上的承兑汇票贴息还要更高,加上中介费用,甚至会达到6%,很不利于中小企业使用资金短、频、快的特点。

另外碰到资金链紧张时,如碰上员工发工资,采购原材料等,他们就进行民间借贷,有的就是高利贷,现在中小微企业有过高利贷经历的保守讲在80%以上,这已经成为一个普遍存在的事实,当然大多处于风险可控范围内。

承兑汇票银行贴息,已让中小企业负担不起!

开封市的一位企业家无奈地说:“现在到银行去贷款,比如贷1000万元,真正到手的现金可能只有500万元,其他的500万元可能是300万元的承兑汇票和200万元的理财产品。银行美名其曰地帮企业破解了融资难,其实是变本加利地蚕食中小企业的利润,我们现在都是负债经营,为银行打工。”

针对开封企业家反映的情况,笔者了解了一家国有银行的主管。该主管表示,这是当前银行信贷款存在的一个普遍现象,不是个人能决定得了的。

河南省钢材行业的一位负责人告诉笔者,“我们这个行业的企业,目前在银行融资贷款拿的基本都是承兑汇票,即使这样仍然很难融到充裕的资金。”

现阶段,银行的信贷规模仍然是极为稀缺的资源,受存贷比、流动性、央行核定规模等多种因素限制。近几年,银行正常的表内信贷规模基本只能满足最优客户的需求。其它客户怎么办?要不直接用表外产品,要不采用各种结构把表内业务表外、表表外化。承兑是银行的“融信”业务,不融出资金,只占用资本不占用规模,因此成了银行维护客户的重要表外产品,此为其一;其二,在利率市场化完全实现之前,对银行最重要的是什么业务?拉存款啊。1000万的承兑,300万保证金起码的,只要存款仍是商业银行的核心考核指标,由此带来的业务冲动无可遏止。对企业来讲,只要能拿到钱,管他什么形式。

承兑汇票银行贴息,已让中小企业负担不起!

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